Central & State MSME Schemes Directory
Browse verified Indian government schemes, Mudra brackets, credit guarantees, and capital subsidies. Every figure confirmed against official primary records.
Udyam Registration (Official MSME Registration)
Free, paperless online registration for Micro, Small & Medium Enterprises with permanent URN & certificate.
PM Mudra Yojana — Shishu
Collateral-free micro loans up to ₹50,000 for starting or small business operations.
PM Mudra Yojana — Kishor
Collateral-free working capital and term loans from ₹50,001 to ₹5 Lakh.
PM Mudra Yojana — Tarun & Tarun Plus
Loans ₹5 Lakh to ₹10 Lakh (Tarun) and up to ₹20 Lakh (Tarun Plus for repeat borrowers).
CGTMSE (Credit Guarantee Fund Trust for Micro & Small Enterprises)
Collateral-free bank loan guarantee cover up to ₹10 Crore (increased from ₹5 Cr w.e.f. 1 Apr 2025).
PMEGP (Prime Minister Employment Generation Programme)
Credit-linked margin money subsidy 15%–35% on projects up to ₹50L (mfg) / ₹20L (service).
PM Vishwakarma Scheme
Collateral-free credit up to ₹3 Lakh @ fixed 5% interest, ₹15,000 toolkit voucher & skill training for 18 trades.
MSME Sustainable (ZED) Certification Scheme
Up to 80% subsidy on Zero Defect Zero Effect certification fees and technology upgrade assistance.
PMFME (PM Formalisation of Micro Food Processing Enterprises)
35% credit-linked capital subsidy up to ₹10 Lakh for individual food processing micro units.
Stand-Up India Scheme
Bank loans ₹10 Lakh to ₹1 Crore for greenfield enterprises by Women and SC/ST entrepreneurs.
Maharashtra Package Scheme of Incentives (PSI)
Industrial promotion subsidy (IPS) up to 100% of Fixed Capital Investment & electricity duty exemption.
Gujarat Industrial Policy — MSME Capital & Interest Subsidy
Up to 25% capital investment subsidy (cap ₹35 Lakh) & 7% interest subsidy for 5–7 years.
Tamil Nadu NEEDS (New Entrepreneur-cum-Enterprise Development)
25% capital subsidy up to ₹75 Lakh and 3% interest subvention for first-generation entrepreneurs.
Uttar Pradesh MSME Promotion Policy
Capital subsidy 15%–25% (up to ₹4 Crore) & 100% stamp duty exemption in Purvanchal & Bundelkhand.